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Advice for Homeowners

To activate a Mortgage repayment holiday you should in the first instance contact your mortgage provider. The repayment holidays will in most cases mean that you continue to accrue interest and your total payable will not change. The repayment holidays should not affect your credit score. If you are already behind on your mortgage payments this may affect your ability to activate the repayment holiday. Again, your mortgage provider will be best placed to advise.
The Financial Conduct Authority has said: “Firms should not commence or continue repossession proceedings against customers at this time, given the unprecedented uncertainty and upheaval they face, and government advice on social distancing and self-isolation. “This applies irrespective of the stage that repossession proceedings have reached and to any step taken in pursuit of repossession. Where a possession order has already been obtained, firms should refrain from enforcing it.”
See the Ofgem website for "advice and answers to questions you may have on managing your energy supply during the outbreak." https://www.ofgem.gov.uk/coronavirus-covid-19/coronavirus-covid-19-and-your-energy-supply
"The UK’s broadband universal service scheme, introduced by the Government, gives eligible homes and businesses the legal right to request an upgraded connection if they can’t get a download speed of 10 Mbit/s and an upload speed of 1 Mbit/s." Read more at the OFCOM website here: https://www.ofcom.org.uk/about-ofcom/latest/features-and-news/broadband-uso-advice
East Lothian Council have announced that both green and blue boxes will return to being collected at the same time on your scheduled collection day from Wednesday March 25th until further notice. All recycling centres in the County are now open again. According to East Lothian Council: "All four recycling centres are open. Due to social distancing rules, we have had to implement changes to how we operate.
  • Residents must bring photographic identification with them to prove they are from East Lothian.
  • Attendants cannot offer any assistance to unload vehicles.
  • Children must remain in the vehicle at all times.
  • Residents must remain at least 2 metres away from site attendants and other site users.
More waste and recycling information here: https://www.eastlothian.gov.uk/info/210574/emergencies_safety_and_crime/12488/coronavirus/11
From the Mobile UK Website: "With mobile connectivity now very much part of the nation’s critical infrastructure, our member operators, EE, O2, Three and Vodafone are working hard to support all their customers. We understand how vital it is to ensure the UK remains connected, especially as we are asked to limit our movements and physical interaction. "Mobile UK has provided below some of the actions the industry is taking, information on how to get into contact with each mobile operator, and some additional useful advice that may be helpful." Find more information at the Mobile UK Website here: https://www.mobileuk.org/mobile-operators-and-the-coronavirus
Updates from the Royal Mail about the postal service can be found here: https://www.royalmail.com/d8/coronavirus-changes-service